Alex I still don't get how you made big money since Sept . You avoided losses by being in cash but how was the money made since Sept if you werent buying put options ? Microtrading made you big money ?

There are short/inverse ETFs out there to make money off of: XIU/SH (USD), some of them can be levered 2-3x. Not viable long-term, but could make short-term money gambling off them.

I am new. I have LIRA abot 50K with TD DI. I letted it sit there as cash with a bit of interest earning since I was busy with school. Now I just finish my degree and ready to make my investment selection. I will construct my profile shortly. However, if you do not mind, should I be cautious about anything within this coming week?

Cash is a position, a very safe one (in the short-term, insane in the long-term). I can't give your advice nor can anyone else really, I would take whatever you read on a forum with a grain of salt. I can tell you what I'm doing with my own money: I'm sitting on cash piles similar to yours in a wait and see approach. But I've been wrong many times before and I'm engaging in bad practice by timing the markets but it is a decision I made based on my knowledge and experience (and I may learn yet again if I'm wrong). Best thing to do is educate yourself on money, probably the most important thing you can do, there are good books on general index investing:

Basic general: Millionaire Teacher by Andrew Hallam

Slightly more sophisticated but still mass market:
Random Walk Down Wall Street by Burton Malkiel
Four Pillars of Investing/Intelligent Asset Allocator - William Bernstein (any of his investing books really)
works by Larry Swedroe

Hi Folks,
I'm a immigrant, almost 4 year's now. Earns around $105K, wife works only part- time and brings around $25 K. I'm 32 year's old, wife is 30 and my elder son is turning 5, middle one is turning 3 and we are expecting our third one soon. We own a house (mortgage) and 2 cars (no finance for cars)
Recently opened our first RRSP/RESP accounts with TD direct investing , Can you guys share your views on where to invest. I have almost $50K RRSP contribution room !
Thanks in advance ...

I think you want to invest as soon as possible with the money you don’t need for 10+ years.
Reasons are simple: coumpounding interest and time in the market

Contribute to RSP, get tax refund and throw it back into RSP. Rinse and repeat.

Mortgage can wait as long as your free cash flow decent.

Invest into ETFs inside of registered accounts, like RSP/RESP/TFSA

It's easy to grin when your ship comes in and you've got the stock market beat.
But the man worthwhile is the man who can smile when his shorts are too tight in the seat

When you buy a mutual fund/etf consisting of US companies, you also have to take the currency conversion rate into consideration (if the fund is not currency-hedged). For instance, if the fund goes down 5% in USD but the Canadian dollar falls by 7% compared to the USD, then your fund will have risen by 2% in CAD.